First And Last

Andy Pratt, chief operating officer, Alexander Hall

I bought my first property when I was 22 with a Halifax mortgage. My wife-to-be was finishing university and we moved in during the summer of 1987. The house was on the outskirts of Harlow because my wife had a teaching job in the town and had not passed her driving test.

In 1991 we moved to Bishop’s Stortford,. The property was a 1930s-style house in a great location, backing onto a cricket pitch and woods. Our two daughters were born there so it still has a place in our hearts. We moved again in 1998, keeping the old house as a buy-to-let.

We have remortgaged every two-three years. In the past decade we’ve used discounted trackers due to low interest rates. The last one was about nine months ago. I took out a 4.99% capped mortgage with Coventry because I knew rates were heading up.